This invention relates to a novel system which includes a new device (the device) and a new business process (the PROCESS) that combines multiple cards (for both financial and non-financial transactions) into one card in a secured manner.
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0. 20. A method for establishing account information into a device comprising:
a) providing an interface allowing a user to request, from a card issuer, a new card or changes to an existing card;
b) receiving a request to store user account information on the device, wherein the device includes a unique identification number stored thereon;
c) encoding user account information onto a memory of a card using the device;
d) receiving encrypted new account information sent by the card issuer to the device using the unique identification number on the device, wherein only the device with the unique identification number is configured to decrypt the new account information;
e) decrypting the encrypted new account information using the unique identification number, and storing the account information;
f) providing an interface allowing the user to select account information; and
g) writing the selected account information onto the memory of the card.
0. 60. A method for establishing account information into a device comprising:
(a) storing one or more user account information on a device, wherein the device includes a unique identification number stored thereon and known to a card issuer;
(b) encoding user account information onto a memory of a card using said device;
(c) receiving by the card issuer, a request from a user for a new card or to make changes to an existing card;
(d) sending by the card issuer, an encrypted new account information to the device using the unique identification number of the device, wherein only the device with the unique identification number is configured to decrypt the new account information;
(e) decrypting the encrypted new account information using the unique device identification number, and storing the account information to an account database on a memory of the device;
(f) selecting an account from the account database on the memory of the device and writing the selected account information onto the memory of the card; and
(g) using the card with the selected account information to complete a next transaction.
0. 38. A mobile computing device comprising a processor, an operating system, a memory, a wireless communications element, and instructions executed by the processor to provide an application, the application comprising:
a) a software module configured to provide an interface allowing a user to request, from a card issuer, a new card or changes to an existing card;
b) a software module configured to receive a request to store user account information on the device, wherein the device includes a unique identification number stored thereon;
c) a software module configured to encode user account information onto a memory of a card using the device;
d) a software module configured to receive encrypted new account information sent by the card issuer to the device using the unique identification number of the device, wherein only the device with the unique identification number is configured to decrypt the new account information;
e) a software module configured to decrypt the encrypted new account information using the unique identification number and store the account information;
f) a software module configured to provide an interface allowing the user to select account information; and
g) a software module configured to write the selected account information onto the memory of the card.
0. 55. A server comprising a processor, an operating system, a memory, a communications element, and instructions executed by the processor to provide a host system application, the application comprising:
a) a software module configured to receive a request to store user account information on a device, wherein the device includes a unique identification number stored thereon;
b) a software module configured to establish a unique one-card identification number wherein the unique one-card identification number is associated with and allowing access to the device;
c) a software module configured to receive, from the card issuer, encrypted new account information and the unique one-card identification number associated with the account information;
d) a software module configured to identify the unique identification number using the unique one-card identification number;
e) a software module configured to identify the device using the unique identification number;
f) a software module configured to, upon identifying the device, further encrypt the encrypted new account information using device-specific encryption which can be decrypted only by a device having the corresponding unique identification number; and
g) a software module configured to forward the device-specific encrypted new account information to the device such that it can be decrypted, stored, and written onto the memory of a card.
0. 23. A method for establishing account information into a device comprising:
a) providing an interface allowing a user to communicate to a card issuer an instruction to issue a new card or change the functionality of a card via a host system;
b) receiving a request to store user account information on the device, wherein the device includes a unique identification number stored thereon;
c) encoding user account information onto a memory of a card using the device;
d) establishing a unique one-card identification number, wherein the unique one-card identification number is associated with and allowing access to the device;
e) receiving, from the card issuer, encrypted new account information and the unique onecard identification number associated with the account information;
f) identifying the unique identification number using the unique one-card identification number;
g) identifying the device using the unique identification number;
h) upon identifying the device, further encrypting the encrypted new account information using device-specific encryption which can be decrypted only by a device having the corresponding unique identification number;
i) forwarding the device-specific encrypted new account information to the device;
j) receiving, at the device, the device-specific encrypted new account information;
k) decrypting, at the device, the device-specific encrypted new account information using the corresponding unique identification number;
l) storing the decrypted new account information;
m) providing an interface allowing the user to select account information;
n) identifying a selected account; and
o) writing the selected account information onto the memory of the card.
0. 74. A method for establishing account information into a device comprising:
(a) storing one or more user account information on a device, wherein the device includes a unique identification number stored thereon;
(b) encoding user account information onto a memory of a card using said device;
(c) establishing a unique one-card identification number known to the customer and a card issuer, wherein the unique one-card identification number is associated with and allowing access to the device;
(d) registering the one-card identification number and the device identification number with a host system;
(e) communicating, from the customer to the card issuer, an instruction to issue a new card or change the functionality of a card via the host system;
(f) in response to the communicating step, simultaneously sending by the card issuer, encrypted new account information and the one-card identification number associated to the account information, to the host system;
(g) identifying by the host system the device identification number using the one-card identification number;
(h) identifying the device using the device identification number;
(i) upon identifying the device, further encrypting by the host system, the encrypted new account information using device-specific encryption which can be decrypted only by a device having the corresponding device identification number;
(j) forwarding by the host system, the device-specific encrypted new account information to the device;
(k) receiving by the device, the device-specific encrypted new account information;
(l) decrypting by the device, the device-specific encrypted new account information using the corresponding device identification number;
(m) storing the decrypted new account information to the account database on a memory of the device;
(n) selecting an account from the account database on the device memory; and
(o) writing the selected account information onto the memory of the card.
0. 1. A method for establishing account information into a device comprising:
(a) storing one or more user account information on a device, wherein the device includes a unique identification number stored thereon and known to a card issuer;
(b) encoding user account information onto a memory of a card using said device;
(c) receiving by the card issuer, a request from a user for a new card or to make changes to an existing card;
(d) sending by the card issuer, an encrypted new account information to the device using the unique identification number of the device, wherein only the device with the unique identification number is configured to decrypt the new account information;
(e) decrypting the encrypted new account information using the unique device identification number, and storing the account information to an account database on a memory of the device;
(f) selecting an account from the account database on the memory of the device and writing the selected account information onto the memory of the card; and
(g) using the card with the selected account information to complete a next transaction.
0. 2. The method of
0. 3. The method of
0. 4. A method for establishing account information into a device comprising:
(a) storing one or more user account information on a device, wherein the device includes a unique identification number stored thereon;
(b) encoding user account information onto a memory of a card using said device;
(c) establishing a unique one-card identification number known to the customer and a card issuer, wherein the unique one-card identification number is associated with and allowing access to the device;
(d) registering the one-card identification number and the device identification number with a host system;
(e) communicating, from the customer to the card issuer, an instruction to issue a new card or change the functionality of a card via the host system;
(f) in response to the communicating step, simultaneously sending by the card issuer, encrypted new account information and the one-card identification number associated to the account information, to the host system;
(g) identifying by the host system the device identification number using the one-card identification number;
(h) identifying the device using the device identification number;
(i) upon identifying the device, further encrypting by the host system, the encrypted new account information using device-specific encryption which can be decrypted only by a device having the corresponding device identification number;
(j) forwarding by the host system, the device-specific encrypted new account information to the device;
(k) receiving by the device, the device-specific encrypted new account information;
(l) decrypting by the device, the device-specific encrypted new account information using the corresponding device identification number;
(m) storing the decrypted new account information to the account database on a memory of the device;
(n) selecting an account from the account database on the device memory; and
(o) writing the selected account information onto the memory of the card.
0. 5. The method of
0. 6. The method of
0. 7. The method of
0. 8. The method of
0. 9. The method of
0. 10. The method of
0. 11. The method of
0. 12. The method of
0. 13. The method of
0. 14. The method of
0. 15. The method of
0. 16. The method of
0. 17. The method of
0. 18. The method of
0. 19. The method of
0. 21. The method of claim 20, further comprising the steps of
(h) upon receipt of the new account information, prompting the customer to contact the card issuer for verification of customer's identity; and
(i) receiving, from the customer, verification information to allow authorization by the card issuer to activate or change the functionality of the card.
0. 22. The method of claim 20, comprising, in step (d), further encrypting the new account information with a pass-code that is required to decrypt the new account information, and further comprising the step of; receiving the new account information, whereupon the device prompts the customer to contact the card issuer to obtain the pass-code required to decrypt the account information.
0. 24. The method of claim 20 or 23, further comprising the steps of using the unencrypted account information to activate or change the functionality of the card.
0. 25. The method of claim 23, further comprising the steps of: prompting the customer to contact the card issuer for verification of customer's identity upon receipt of the device-specific encrypted new account information; providing an interface to allow the user to input verification information to enable authorization by the card issuer to activate or change the functionality of the card; and prompting the customer to contact the card issuer upon receipt of the device-specific new account information.
0. 26. The method of claim 23, wherein the unencrypted account information is not stored.
0. 27. The method of claim 20 or 23, further comprising storing the account information on the device in an encrypted form.
0. 28. The method of claim 27, wherein the encrypted account information is decrypted or viewed or used by entering a correct password.
0. 29. The method of claim 27, wherein the encrypted account information is decrypted or viewed or used by entering biometric information.
0. 30. The method of claim 20 or 23, wherein, following decryption of the device-specific new account information, providing an interface allowing the user to view the account information stored in the device including information selected from the group consisting of: the name of issuing bank, the current balance of the account, and available credit.
0. 31. The method of claim 20 or 23, wherein, following decryption of the account information, a bar code is displayed on the device.
0. 32. The method of claim 20 or 23, further comprising the step of physically contacting the card with the device and erasing account information from the card.
0. 33. The method of claim 20 or 23, wherein account information stored on the memory of the card is erased after a pre-set time.
0. 34. The method of claim 23, further comprising the steps of: receiving a request from the user for card cancellation, registering a new device with the host system to establish a link between the new device and the user's unique one-card identification number.
0. 35. The method of claim 20 or 23, wherein the card comprises a programmable magnetic stripe.
0. 36. The method of claim 20 or 23, wherein the card comprises a programmable smart card.
0. 37. The method of claim 20 or 23, wherein the device comprises a smart card chip such that the device can function as a smart card by itself.
0. 39. The device of claim 38, wherein the software module configured to receive encrypted new account information, upon receipt of the new account information, is further configured to prompt the customer to contact the card issuer for verification of customer's identity and receive, from the customer, verification information to allow authorization by the card issuer to activate or change the functionality of the card.
0. 40. The device of claim 38, wherein the software module configured to receive encrypted new account information is further configured to encrypt the new account information with a pass-code that is required to decrypt the new account information, and prompt the customer to contact the card issuer to obtain the pass-code required to decrypt the account information.
0. 41. The device of claim 38, wherein the application further comprises a software module configured to use the unencrypted account information to activate or change the functionality of the card.
0. 42. The device of claim 38, wherein the software module configured to receive encrypted new account information is further configured to prompt the customer to contact the card issuer for verification of customer's identity upon receipt of the encrypted new account information; provide an interface to allow the user to input verification information to enable authorization by the card issuer to activate or change the functionality of the card; and prompt the customer to contact the card issuer upon receipt of the new account information.
0. 43. The device of claim 38, wherein the unencrypted account information is not stored.
0. 44. The device of claim 38, wherein the software module configured to store the account information on the device stores the account information in an encrypted form.
0. 45. The device of claim 44, wherein the encrypted account information is decrypted or viewed or used by entering a correct password.
0. 46. The device of claim 44, wherein the encrypted account information is decrypted or viewed or used by entering biometric information.
0. 47. The device of claim 38, wherein the software module configured to decrypt the encrypted new account information is further configured to, following decryption of the new account information, provide an interface allowing the user to view the account information stored in the device including information selected from the group consisting of: the name of issuing bank, the current balance of the account, and available credit.
0. 48. The device of claim 38, wherein the software module configured to decrypt the encrypted new account information is further configured to, following decryption of the account information, display a bar code on the device.
0. 49. The device of claim 38, wherein the application further comprises a software module configured to erase account information from the card upon physical contact between the card and the device.
0. 50. The device of claim 38, wherein account information stored on the memory of the card is erased after a pre-set time.
0. 51. The device of claim 38, wherein the application further comprises a software module configured to receive a request from the user for card cancellation and register a new device with the host system to establish a link between the new device and the user's unique identification number.
0. 52. The device of claim 38, wherein the card comprises a programmable magnetic stripe.
0. 53. The device of claim 38, wherein the card comprises a programmable smart card.
0. 54. The device of claim 38, wherein the device comprises a smart card chip such that the device can function as a smart card by itself.
0. 56. The server of claim 55, wherein the software module configured to receive encrypted new account information, upon receipt of the new account information, is further configured to prompt the customer to contact the card issuer for verification of customer's identity and receive, from the customer, verification information to allow authorization by the card issuer to activate or change the functionality of the card.
0. 57. The server of claim 55, wherein the software module configured to receive encrypted new account information is further configured to encrypt the new account information with a passcode that is required to decrypt the new account information, and prompt the customer to contact the card issuer to obtain the pass-code required to decrypt the account information.
0. 58. The server of claim 55, wherein the software module configured to receive encrypted new account information is further configured to prompt the customer to contact the card issuer for verification of customer's identity upon receipt of the encrypted new account information; provide an interface to allow the user to input verification information to enable authorization by the card issuer to activate or change the functionality of the card; and prompt the customer to contact the card issuer upon receipt of the device-specific new account information.
0. 59. The server of claim 55, wherein unencrypted account information is not stored.
0. 61. The method of claim 60 further comprising the steps of (h) upon receipt of the new account information, prompting the customer to contact the card issuer for verification of customer's identity; and (i) inputting by the customer, verification information to allow authorization by the card issuer activate or change of functionality of the card.
0. 62. The method of claim 60 comprising, in step (d), further encrypting the new account information with a pass-code that is required to decrypt the new account information, and further comprising the step of; receiving the new account information, whereupon the device prompts the customer to contact the card issuer, and the customer contacts the card issuer to verify the customer's identity and to obtain the pass-code required to decrypt the account information.
0. 63. The method of claim 60 further comprising the steps of using the un-encrypted account information to activate or change the functionality of the card.
0. 64. The method of claim 60 further comprising storing the account information on the device in an encrypted form.
0. 65. The method of claim 64 wherein the encrypted account information is only decrypted or viewed or used by entering either a correct password or a bio-metric information or both.
0. 66. The method of claim 60 further comprising the steps of the card issuer communicating an instruction to the customer for changing the functionality of a card in step (d) of claim 60, without the request of the customer.
0. 67. The method of claim 60 wherein, following decryption of the account information, a bar code is displayed on the device.
0. 68. The method of claim 60 further comprising physically contacting the card with the device and erasing account information from the card.
0. 69. The method of claim 60 wherein account information stored on the transaction memory of the card is erased after a pre-set time.
0. 70. The method of claim 60 wherein the card comprises a programmable magnetic stripe.
0. 71. The method of claim 60 wherein the card comprises a programmable smart card.
0. 72. The method of claim 60 wherein the device comprises a smart card chip such that the device can function as a smart card by itself.
0. 73. The method of claim 60 wherein, following decryption of the new account information, the user can view the account information stored in the device including information selected from the group consisting of: the name of issuing bank, the current balance of the account, and available credit.
0. 75. The method of claim 74 further comprising the steps of using the un-encrypted account information to activate or change the functionality of the card.
0. 76. The method of claim 74 further comprising the steps of upon receipt of the device-specific encrypted new account information, prompting the customer to contact the card issuer for verification of customer's identity; and inputting by the customer, verification information to allow authorization by the card issuer activate or change of functionality of the card; and the account information sending from the card issuer in step (f) is further encrypted with a pass-code, and upon receipt of the device-specific new account information, the device prompts the customer to contact the card issuer, the customer contacts the card issuer to verify the customer's identity to get the pass-code to decrypt the account information.
0. 77. The method of claim 74 wherein the host system does not retain or store unencrypted account information.
0. 78. The method of claim 74 further comprising storing the account information on the device in an encrypted form.
0. 79. The method of claim 78 wherein the encrypted account information is only decrypted or viewed or used by entering either a correct password or a bio-metric information or both.
0. 80. The method of claim 74 wherein, following decryption of the device-specific new account information, the user can view the account information stored in the device including information selected from the group consisting of: the name of issuing bank, the current balance of the account, and available credit.
0. 81. The method of claim 74 further comprising the steps of the card issuer communicating an instruction to the customer for changing the functionality of a card in step (f) of claim 74, without the request of the customer.
0. 82. The method of claims 74 wherein, following decryption of the account information, a bar code is displayed on the device.
0. 83. The method of claim 74 further comprising physically contacting the card with the device and erasing account information from the card.
0. 84. The method of claim 74 wherein account information stored on the transaction memory of the card is erased after a pre-set time.
0. 85. The method of claim 74 further comprising the steps of the customer obtaining a new device, contacting the host system for card cancellation, registering the new device with the host system to establish a link between their new device and their one card identification number.
0. 86. The method of claim 74 wherein the card comprises a programmable magnetic stripe.
0. 87. The method of claim 74 wherein the card comprises a programmable smart card.
0. 88. The method of claim 74 wherein the device comprises a smart card chip such that the device can function as a smart card by itself.
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This application is It is to be understood that the disclosure of the invention in this specification includes all appropriate combinations of such particular features. For example, where Where a particular feature is disclosed in the context of a particular embodiment or a particular claim, that feature can also be used, to the extent appropriate, in the context of other particular embodiments and claims, and in the invention generally. The embodiments disclosed in this specification are exemplary and do not limit the invention. Other embodiments can be utilized and changes can be made. As used in this specification, the singular forms “a”, “an”, and “the” include plural reference unless the context clearly dictates otherwise. Thus, for example, a reference to “a part” includes a plurality of such parts, and so forth. The term “comprises” and grammatical equivalents thereof are used in this specification to mean that, in addition to the features specifically identified, other features are optionally present. For example, a device “comprising” (or “which comprises”) elements A, B and C can contain only elements A, B and C, or can contain not only elements A, B and C but also one or more other elements. The term “consisting essentially of” and grammatical equivalents thereof is used herein to mean that, in addition to the features specifically identified, other features may be present which do not materially alter the claimed invention. The term “at least” followed by a number is used herein to denote the start of a range beginning with that number. Where reference is made in this specification to a method comprising two or more defined steps, the defined steps can be carried out in any order or simultaneously (except where the context excludes that possibility), and the method can optionally include one or more other steps which are carried out before any of the defined steps, between two of the defined steps, or after all the defined steps (except where the context excludes that possibility). Where reference is made herein to “first” and “second” features, this is generally done for identification purposes; unless the context requires otherwise, the first and second features can be the same or different, and reference to a first feature does not mean that a second feature is necessarily present (though it may be present). Numbers given herein should be construed with the latitude appropriate to their context and expression; for example, each number is subject to variation which depends on the accuracy with which it can be measured by methods conventionally used by those skilled in the art. This specification incorporates by reference all documents referred to herein and all documents filed concurrently with this specification or filed previously in connection with this application, including but not limited to such documents which are open to public inspection with this specification.
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